MCNB Bank and Trust Co.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged down by 1.7%, from $1.6M to $1.6M, the largest move among the key lines here. MCNB Bank and Trust Co. ranks 35th of 41 West Virginia banks on net interest margin, in the lower half at 3.46% (Q2 2026). MCNB Bank and Trust Co. reported 3.46% on net interest margin for Q2 2026, 0.49 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.25% |
| Yield on loans | 5.93% |
| Yield on securities | 3.24% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.94% |
| Cost of interest-bearing deposits | 2.18% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 3.96% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.46% |
| Yield to cost spread | 2.95% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.8M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.68% | 2.13% | 2.69% | 5.35% | 2.01% |
| Q4 2023 | 4.80% | 2.37% | 2.60% | 5.46% | 2.14% |
| Q1 2024 | 4.89% | 2.43% | 2.64% | 5.57% | 2.22% |
| Q2 2024 | 4.99% | 2.55% | 2.63% | 5.70% | 2.29% |
| Q3 2024 | 5.12% | 2.71% | 2.61% | 5.85% | 2.42% |
| Q4 2024 | 5.09% | 2.56% | 2.70% | 5.80% | 2.58% |
| Q1 2025 | 5.11% | 2.29% | 2.97% | 5.84% | 2.68% |
| Q2 2025 | 5.34% | 2.21% | 3.25% | 6.11% | 2.84% |
| Q3 2025 | 5.40% | 2.25% | 3.31% | 6.16% | 2.96% |
| Q4 2025 | 5.50% | 2.13% | 3.53% | 6.28% | 3.13% |
| Q1 2026 | 5.32% | 1.98% | 3.48% | 6.05% | 3.19% |
| Q2 2026 | 5.25% | 1.94% | 3.46% | 5.93% | 3.24% |
MCNB Bank and Trust Co. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock MCNB Bank and Trust Co., freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full MCNB Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6803) · FFIEC NIC profile (RSSD 20633)